Ilove my neighborhood. I love the familiar faces at the local coffee shop, the small bookstore that has been around for decades, and the simple pleasure of knowing my neighbors. But lately, a different kind of familiarity has taken hold. It’s the shared anxiety when heavy clouds gather. It’s the talk at the supermarket about whose insurance went up again. It’s the quiet understanding that the place we call home is becoming more fragile and more expensive with every passing season.

This is the untold story of climate change in New York. It’s not just the headlines about a major hurricane. It’s the slow, steady drain on our wallets and our well-being. It’s a “climate tax” we all pay, not voted on by any legislature, but imposed through skyrocketing insurance premiums, repeated repairs, and

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